Home Insurance in Alexandria, Louisiana
Homes in Alexandria carry a median value of $183,700 - close to the Rapides Parish median.
Aging wiring, roofing and plumbing in older homes can push up the cost to insure or rebuild them. The typical home in Alexandria was built around 1971. About 34% of homes were built before 1960, about 12 points above Rapides Parish's 22%.
Mobile and manufactured homes typically need a manufactured-home (HO-7) policy rather than a standard homeowners policy. The housing stock in Alexandria is 71% single-family homes, 15% apartments in buildings with 5+ units and 3% mobile or manufactured homes. The rest are 2-4 unit or other housing types.
About 50% of owner-occupied homes in Alexandria have a mortgage. Lenders require hazard (homeowners) insurance on any home carrying a mortgage.
Alexandria has an owner-occupancy rate of 52% and a vacancy rate of 18%; unoccupied homes typically need a different coverage form.
In Alexandria, 63% of homes are primarily heated with electricity.
Rapides Parish had 3,004 active NFIP flood policies as of September 2026. Its top FEMA-rated hazard is hurricane (Relatively Moderate). See the full Rapides Parish home insurance overview for all FEMA hazard ratings and flood coverage details.
The statewide average premium for a standard HO-3 homeowners policy in Louisiana is $3,027 per year, according to the NAIC homeowners insurance report (2023 data).
Key figures
| Median home value | $183,700 |
|---|---|
| Median year built | 1971 |
| Owner-occupied share | 52% |
| Share of owner-occupied homes with a mortgage | 50% |
| Top county hazard | Hurricane (Relatively Moderate) |
| Active NFIP policies in Rapides Parish | 3,004 |
| Home insurance premium | $3,027 - statewide average (NAIC, 2023 data) |
Nearby towns
Sources
Data last updated: 2026-09-29
- U.S. Census Bureau Gazetteer Files (2024)
- U.S. Census Bureau, American Community Survey 2020-2024 5-Year Estimates (2024)
- FEMA National Risk Index (December 2025)
- FEMA OpenFEMA NFIP Redacted Policies v3 (2026)
- NAIC Dwelling Fire, Homeowners Owner-Occupied, and Homeowners Tenant and Condominium/Cooperative Unit Owners Insurance: Data for 2023 (published 2026) (2023)